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What is the blue shield California Health Insurance?

You may probably have heard of Blue Shield Health Insurance a couple of times before. That is because it has been around for 70 years and was the first to offer a health plan in the country that covers pre-existing conditions. Blue Shield of California today has millions of members and is one of the leading health insurance companies in the United States. It has touched so many lives with their pioneering health care plans and presence in the California healthcare market.

So how Blue Shield did began?

During the 1939, Blue Shield was established from the efforts and perseverance of hospital associations and organized medicine. The health insurance plan was created as a means to stop the expected unpaid balances of patients. It was founded during the same year by a medical society called California Physician’s Service (CPS) which is now called the Blue Shield of California.

Today Blue Shield in California employs around 4,500 numbers of employees, and has a network of more than 40,000 doctors and 350 hospitals.

What are the health insurance plans offered by the Blue Shield in California?

Blue Shield offers HMO and PPO health and dental plans:

HMO plans: Health Maintenance Organization is a low cost health insurance plan that is more suitable for groups than in individuals. It also has a network of health care providers, in where you are required to go to. The Blue Shield of California offers this plan for a low cost premium, and lower hospital deductibles. It also has a no lifetime maximum and no claim forms.

PPO plans: Preferred Provider Organization plans are a health insurance that has a wider network of health care providers. Blue Shield offers this health plans with a lot of advantages. You have the liberty to go out and see a doctor or specialist that is not connected to the network of health care providers from the company even if you don’t have a referral. You can also open a health savings account with the Blue Shield Spectrum PPO Savings Plan.

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